the river on one side, the Gulf on the other
Home and Auto Insurance in Port Richey, FL
Port Richey is a small waterfront city in Pasco County, a short drive south of me on US-19. It sits where the Pithlachascotee River meets the Gulf. Most people just call it the Cotee.
I’m independent, so I’m not tied to one insurance company. I check several, tell you plainly what each one covers, and I’m still here when you have a question later.
FL License #G193830
Based in Hudson
Homeowners insurance
Homeowners insurance in Port Richey
There’s a lot of water in Port Richey: canals, the river and the Gulf. If your home is near any of it, there’s a good chance it’s in a flood zone and your lender wants a flood policy. It also means the wind and hurricane part of your home policy is worth actually reading. I’ll go through it with you.
A few things drive the price of a home policy more than anything else:
- Your roof: its age, its material and its shape.
- Whether you’ve had a wind mitigation inspection, and what it found.
- The year the home was built, and what’s been updated since.
- Your hurricane deductible.
- Claims in the last few years.
What home insurance has been running
The average homeowners policy in the area has been about $4,100 a year. The usual range is $2,420 to $5,200.
These numbers are averages from area quotes over the past 36 months, not a quote for you. Your price depends on your details.
Auto insurance
Auto insurance in Port Richey
US-19 runs right through the middle of town and carries most of the traffic. When I quote Port Richey drivers, I look at liability limits and uninsured motorist coverage along with the price, because cheap and covered aren’t always the same thing.
To register a car in Florida you need at least $10,000 of personal injury protection (PIP) and $10,000 of property damage liability. That’s it. Those minimums don’t pay for injuries you cause to someone else, and they don’t fix your own car. I’ll show you what bodily injury liability, uninsured motorist, comprehensive and collision would add, and you decide what’s worth it.
Auto insurance prices around here
Six months of liability-only coverage on one vehicle has averaged about $1,420 in the area, usually somewhere from $700 to $1,680. With full coverage, the average is about $2,380, usually $1,370 to $2,680.
Averages come from quotes in the area over the past 36 months. Treat them as a rough guide until I run yours.
Flood and sinkhole
Flood insurance and sinkhole coverage in Port Richey
The first thing to know in Port Richey: flood isn’t part of a homeowners policy. It’s a separate policy, and if you have a mortgage on a home in a high-risk flood zone, the lender will usually insist on it.
Your flood zone depends on your exact address. FEMA’s flood map site will show it, or I can pull it for you. Plan ahead, too. National Flood Insurance Program policies usually take 30 days to start, so buying one the week of a storm won’t help.
Then there are sinkholes. Every Florida home policy has to include “catastrophic ground cover collapse,” but that only pays in severe cases. Sinkhole coverage itself is an add-on. Companies are required to offer it for an added premium and may want the property inspected first. I’ll find out what’s available for your home.
Questions I get from Port Richey
Are you actually in Port Richey?
My home base is Hudson, not Port Richey. Everything can be done by phone, text, email or online, and that’s how most of my clients work with me.
Is flood insurance required in Port Richey?
It’s usually the lender who requires it, for homes in high-risk flood zones. If you own the home outright it’s up to you. Either way, your home policy won’t pay for flood damage.
My roof is getting old. Can I still get home insurance?
A lot of the time, yes. It depends on the company and the type of roof, and Florida law limits when a company can turn you down just because of the roof’s age. Tell me what year it was replaced and I’ll tell you where you stand.
What should I have ready?
Driver and vehicle info for auto. For home, the address, year built, roof year and any wind mitigation or four-point reports. Don’t worry if you’re missing something. I’ll work with what you have.
My rate went up. Can you help?
That’s most of what I do. Send me your current policy and I’ll shop it against the companies I work with. I can’t promise it’ll come out lower, but you’ll know where you stand.
- Wind Mitigation and Homeowners Insurance
- Water Damage, Plumbing, and Older Homes
- Does Homeowners Insurance Cover Flooding?
- Why Is My Hurricane Deductible So High?
- How to Lower Car Insurance Costs
- What Does “Full Coverage” Really Mean?
Official sources
- Florida Highway Safety and Motor Vehicles: insurance requirements
- FEMA Flood Map Service Center
- Florida Division of Emergency Management: Know Your Zone
- FloodSmart, the National Flood Insurance Program
- Florida Statutes 627.706, sinkhole and catastrophic ground cover collapse
Other areas I serve
Bayonet Point · Shady Hills · Aripeka · New Port Richey · Spring Hill · Jasmine Estates · Holiday · Trinity · Land O’ Lakes · Odessa · Tarpon Springs · Brooksville · Weeki Wachee · Lutz · Hudson · All areas
This page is general information. What you can get, and what it costs, depends on the company and your situation.
Have a question? Just ask.
Call me or send a quote request. You’ll hear back from a real person.